Debt is an obligation to somebody. We are always obligated to the Divine, for which we are not thankful to him.

When ‘THANKS’ is not there in the heart, Debt will enter in one’s life.

When you analyse the thoughts and emotions built up around the debt, it is always blaming – blaming on poverty consciousness, blaming the destiny, blaming the lack and luck and blaming the divine.

Debt is always Time-bound. If you don’t pay in time, it will mount.

A person who has not understood the value of time, who has postponing tendencies, who has wasted his food, or who has not shared his food, who resents others’ success, who is thankless and blames the parents is likely to enter into debt.